Habib Metropolitan Bank Limited (the Bank) is a Pakistan-based banking company engaged in commercial banking and related services. The Bank operates 143 branches, including four Islamic banking branches and 40 sub branches in Pakistan. The Bank is a subsidiary of Habib Bank AG Zurich - Switzerland, which is incorporated in Switzerland. The Bank operates through three segments: Trading and sales, Retail banking and Commercial banking. The Trading and Sales segment undertakes the Bank's treasury, money market and capital market activities. The Retail Banking segment provides services to small borrowers, such as consumers, small and medium enterprises (SMEs) and borrowers' agriculture sector. It includes loans, deposits and other transactions with retail customers. The Commercial Banking segment includes loans, deposits and other transactions with corporate customers.